Analysis
A debt-to-earnings ratio under 0.5 is generally manageable, and based on comparable programming programs nationally, that's roughly where American River College's graduates would land—around $17,750 in debt against first-year earnings near $38,000. However, with 54 schools offering similar associate's degrees in California, the lack of reported outcomes here makes it difficult to assess whether this specific program prepares students as well as competitors in the Bay Area or Southern California tech markets.
The national benchmark of $38,000 for first-year earnings in programming associate's programs represents middle-of-the-pack performance. California's tech industry typically offers stronger entry points than the national average, so if American River College's actual outcomes align with or exceed state norms, this could be solid preparation for junior developer or IT support roles. But without concrete data showing how this program's graduates fare in Sacramento's job market specifically, you're making an investment based on what similar programs typically deliver rather than proven track record.
For families considering this route, the estimated figures suggest reasonable debt relative to income, but you'll want to verify job placement rates and employer connections directly with the school. An associate's in programming can open doors, particularly at community college costs, but actual outcomes matter more than comparable programs' typical performance.
Where American River College Stands
Earnings vs. debt across all computer programming associates's programs nationally
Compare to Similar Programs Nationally
Computer Programming associates's programs at top institutions nationally
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $1,288 | $38,086* | — | $17,750* | — | |
| $4,872 | $63,559* | $56,895 | $12,000* | 0.19 | |
| $5,400 | $55,996* | $67,313 | $12,736* | 0.23 | |
| $6,128 | $55,069* | $65,758 | $22,600* | 0.41 | |
| $4,916 | $54,652* | $61,493 | $13,812* | 0.25 | |
| $7,650 | $53,874* | — | $14,827* | 0.28 | |
| National Median | — | $38,086* | — | $17,108* | 0.45 |
Career Paths
Occupations commonly associated with computer programming graduates
Software Developers
Software Quality Assurance Analysts and Testers
Computer Programmers
Web Developers
Web and Digital Interface Designers
Video Game Designers
Computer Science Teachers, Postsecondary
Computer Network Support Specialists
About This Data
Source: U.S. Department of Education College Scorecard (October 2025 release)
Population: Graduates who received federal financial aid (Title IV grants or loans). At American River College, approximately 20% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.
Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.
Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the national median of 30 similar programs. Actual outcomes may vary.